USDA Loan Vs. FHA loan pro & con for Ocean-Shores, Grays Harbor County, WA

In 2025, USDA loan limit in Ocean-Shores, county of Grays Harbor, WA is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Ocean-Shores, WA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in Washington?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(253) 472-1500 78 miles Lender's profile and map Reviews All Tech Mortgage Inc. 7403 Lakewood Drive West, Suite 4, Lakewood, WA, 98499 All Tech Mortgage Inc. - Serving Northwest homeowners just like you since 1996. Specialize in Conventional, FHA & VA home loans to purchase or refinance property in WA State. We Shop, You Save! Let us put our 25 years of mortgage experience to work for you when it comes to finding the right lender & loan program for your purchase or refinance.
(253) 223-5991 78 miles Lender's profile and map Reviews Pacific Equity and Loan 3620 100th St SW, Suite B, Lakewood, WA, 98499 Pacific Equity and Loan was founded at the end of 2018 by three managing partners: Chris Robison, Sang Yoon, and Scott Baukol. Each equipped with years in private money lending, real estate investment, business operation, and money management, Pacific Equity and Loan was born from the ideas of forward thinking and knowledgeable leaders.
360-797-5108 79 miles Lender's profile and map Reviews First Millennium Holdings 601 1st ave suite 1400, Spokane, WA, 98580 making your dreams of tomorrow a reality today. Originating Conventional VA FHA USDA Jumbo Stated No Doc and NiV DSCR No ratio. our website is top notch and and you view and check the status of your rate with a custom quote with live pricing from our investment banks 24 hours a day
(253) 761-2929 79 miles Lender's profile and map Reviews The Patterson Company 3324 N Visscher St, Tacoma, WA, 98407 THE PATTERSON COMPANY REAL ESTATE LENDING, opened its doors for business in June of 1996. The company’s background in financial services includes all aspects of loan origination and mortgage broker services: residential homes (investment and owner occupied properties) custom construction and small commercial lending.
(253) 584-2260 80 miles Lender's profile and map Reviews Harborstone Credit Union 4720 Center St, Tacoma, WA, 98409 Harborstone Credit Union has branch locations in King, Pierce, and Thurston counties to serve our members. Which means we're big enough to offer a wide variety of products and services yet small enough to offer a pleasant and personable atmosphere. When you join Harborstone, you become a part owner of our not-for-profit organization.
(253) 327-1177 80 miles Lender's profile and map Reviews Penny Lane Financial 1804 W Union Ave, Suite 202, Tacoma, WA, 98405 Penny Lane Financial we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use common sense in consulting with you to obtain the best loan possible for your personal unique needs. We provide top-tier quality rates from a wide range of A-rated lenders.
(360) 662-2000 80 miles Lender's profile and map Reviews Kitsap Credit Union 155 Washington Avenue, Bremerton, WA, 98337 Kitsap Credit Union has a unique culture that is infectious among its employees. We create a safe, fun, and friendly working environment where all employees are valued. To help support our mission of members joining together to build a stronger community, KCU employees are often volunteering in the community or at community events.
(253) 284-1800 81 miles Lender's profile and map Reviews Commencement Bank 1102 Commerce Street, Tacoma, WA, 98402 Commencement Bank, headquartered in Tacoma, WA, was formed in 2006. We provide traditional, reliable, and sustainable banking in Pierce County, South King County, Thurston County and the surrounding areas. Our team of experienced banking experts focuses on personal attention, flexible service, and building strong relationships with customers.
(877) 272-3678 81 miles Lender's profile and map Reviews The Columbia Bank 1301 A St, Tacoma, WA, 98402 Columbia Bank is a Northwest community bank headquartered in Tacoma, Washington, with comprehensive solutions and expertise to meet the evolving needs of businesses and individuals. Growth is vital to remaining a preferred option for customers. It advances the services and expertise we provide on their behalf
(253) 219-3005 81 miles Lender's profile and map Reviews Crux Commercial Partners 732 Broadway St, Suite 301, Tacoma, WA, 98402 Crux Commercial Partners is a boutique commercial real estate finance firm that specializes in value add solutions for our clients. Our diverse web of relationships and unparalleled industry knowledge carry across local banks/credit unions, large regional banks, CMBS issuers, SBA, Fannie Mae/Freddie Mac and affluent private lenders.
(253) 240-1982 81 miles Lender's profile and map Reviews Emerald Pacific Capital LLC 535 Dock Street, Suite 111, Tacoma, WA, 98402 Emerald Pacific Capital LLC was created to be different. When we started this company our vision was to create a company that would be able to help our clients win in life and finances. Our desire is to be unique in the way we provide opportunities for our clients to improve their financial situation through mortgages.